Group Health Insurance

Employers with 49 employees or less are considered Small Group Employers. Small businesses also can use an exchange to find insurance for their employees. These are called Small Business Health Options Programs, or SHOPs, for short.

3 Options for Health Insurance 2014 forward

1. Offer a fully insured plan that is ACA compliant through the SHOP or traditional marketplace.
2. Offer an ASO plan, if allowed by state law, where essential health benefits and metal level requirements don’t exist.
3. Stop offering coverage and let employees buy an individual plan on or off the exchange.

Subsidies for small employers

Tax credits will increase for employers with 25 or fewer employees (with an average wage of less than $50,000 a year) who offer coverage through an exchange.

• The credit will cover up to 50% of the employer’s cost (35% for small nonprofit organizations).
• Employers will be eligible for credits in the first two years they offer coverage through an exchange.
• Credits decrease on a sliding scale as group size and employee wages increase.

Another option may be to offer defined contributions or adjusting contributions by employee. This means employers give each employee a certain amount to spend on health insurance they find themselves.

Group Dental Insurance

The secret is out! Routine dental care is an important factor to good overall medical health. Affordable dental insurance can provide benefits for a variety of services, with no networks, deductibles, or precertification requirements.

Benefits to Group Dental Plans

• No Medical Questions
• No underwriting questions for your employees. *May not be available in all states
• No Network
• No provider network means your employees have the freedom to choose any dentist.
• Orthodontic and Cosmetic Options
• Additional dental options for all of your employees.
• No direct cost to employers
• Affordable rates as low as $10, where available.
• Dental plan coverage pays benefits directly to the policyholder, the insured.

Group Vision Insurance

Being visually impaired can cause quite the strain on your mind and body. In addition, regular eye exams can help identify early risks of other medical conditions; Diabetes, High Cholesterol, High Blood Pressure and also brain tumors. Vision Insurance encourages employees and their families to be up to date on their overall vision health.

Benefits to Group Vision Plans

• Annual Eye Exams
• Vision Insurance will pay a cash benefit once per year for your eye exam performed by an Optometrist or Ophthalmologist. *Not available in all states
• No Network
• Your employees have the freedom to choose from any eye‐care provider.
• A Wide Range of Benefits
• Additional benefits for covered eye surgeries, specific eye diseases/disorders, and permanent visual impairment.
• No direct cost to employers
• Affordable rates as low as $10, where available.
• Vision Insurance pays benefits directly to the policyholder, the insured.